Introduction
If you’re planning a wedding in the UK, purchasing wedding insurance can provide peace of mind and protect you from unexpected expenses. However, with so many wedding insurance providers available, it can be overwhelming to choose the right one. In this article, we’ll provide you with a list of do’s and don’ts for purchasing wedding insurance in the UK.
Wedinsure and WeddingPlan are two popular wedding insurance providers in the UK. Although WeddingPlan stopped offering new policies due to Covid, it’s back up and running as of March 2023. Both providers offer comprehensive coverage for weddings, including protection against cancellation, loss or damage to wedding attire, and public liability insurance. However, it’s important to compare policies and read the fine print to ensure you’re getting the coverage you need.
When purchasing wedding insurance, it’s important to do your research and choose a provider that meets your specific needs. Don’t assume that all policies are the same, and be wary of purchasing the cheapest policy without reading the details. By following our do’s and don’ts for purchasing wedding insurance in the UK, you can make an informed decision and ensure that your special day is protected.
*Please note that prices and fees shown below are correct at time of publication, please check with the provider for their latest fees and cover amounts.
Why You Need Wedding Insurance
Wedding insurance is an essential investment for couples planning to tie the knot. It provides peace of mind and financial protection in case of unforeseen circumstances that can ruin your big day. Here are some reasons why you need wedding insurance:
Protection Against Cancellation or Postponement
Wedding insurance covers the cost of cancellation or postponement due to unforeseen circumstances such as extreme weather, illness, or death in the family. It can also cover the cost of rearranging your wedding if your venue or supplier goes out of business or fails to deliver.
Wedinsure, WeddingPlan and all the other providers will offer some form of cancellation and rearrangement cover, which can include the cost of your wedding dress, suits, and other expenses incurred, up to a specified limit.
Cover for Loss or Damage to Wedding Attire, Gifts and Rings
Wedding insurance can cover the cost of replacing or repairing your wedding attire, gifts, and rings if they are lost, stolen, or damaged. This includes the cost of hiring new attire if yours is damaged beyond repair or lost in transit.
Wedinsure offers up to £12,000 cover for loss or damage to wedding attire, gifts, and rings, while Dreamsaver wedding insurance offers up to £17,500 limited to £1,750 per item depending on the level of cover taken.
Liability Cover for Accidents and Injuries
Wedding insurance can provide liability cover in case of accidents or injuries that occur during your wedding. This can include cover for damage to the venue, injury to guests, or damage to third-party property. Liability cover can also include legal fees and compensation if you are found liable for damages.
Wedinsure offers up to £5 million liability cover, while Covermywedding offers up to £2 million.
Cover for Supplier Failure
Wedding insurance can cover the cost of rearranging your wedding if a supplier goes out of business or fails to deliver their services. This includes the cost of finding a new supplier and any additional expenses incurred as a result.
Wedinsure and Emerald Life both offer supplier failure cover, which can include the cost of your wedding dress, suits, and other expenses incurred, up to a specified limit.
Overall, wedding insurance is a small price to pay for the peace of mind and financial protection it provides. It’s important to compare policies and choose a provider that offers the cover you need at a price you can afford.
What to Look for When Choosing Wedding Insurance
Coverage Amounts and Limits
When choosing wedding insurance, it’s important to consider the coverage amounts and limits offered by the policy. Look for a policy that covers the full cost of your wedding, including the venue, catering, decorations, and other expenses. Make sure to check the policy limits for each category of coverage to ensure that you have adequate protection in case of any unforeseen circumstances.
Exclusions and Restrictions
It’s also important to carefully review the exclusions and restrictions of the wedding insurance policy you are considering. Some policies may exclude coverage for certain types of events or may have restrictions on the types of vendors you can work with. Make sure to read the policy carefully to understand what is and isn’t covered.
Policy Costs and Deductibles
Policy costs and deductibles are another important factor to consider when choosing wedding insurance. Look for a policy that fits within your budget and offers reasonable deductibles. Keep in mind that lower policy costs may come with higher deductibles, so be sure to weigh the costs and benefits carefully.
Additional Coverage Options
Finally, consider any additional coverage options that may be available with the wedding insurance policy. For example, some policies may offer coverage for lost or damaged wedding attire or provide liability coverage for any accidents that may occur during the wedding. Look for a policy that offers the additional coverage options that are most important to you.
Wedinsure and WeddingPlan are two of the better wedding insurance providers in the UK. While WeddingPlan stopped offering new policies due to Covid, it is back up and running as of March 2023 and remains a popular provider. When choosing wedding insurance, be sure to carefully review the policy details and consider the factors outlined above to ensure that you have adequate protection for your special day.
Wedding Insurance Providers in the UK
Wedinsure
Wedinsure is a leading wedding insurance provider in the UK that offers comprehensive wedding insurance policies to protect your big day. Their policies cover a wide range of scenarios, including cancellation or rearrangement due to illness, injury, or bereavement, damage or loss of wedding attire, and supplier failure.
Wedinsure offers 10 levels of cover to suit different budgets and requirements. Their policies start from as little as £47.50, and they offer up to 50,000 of cover for cancellation and rearrangement due to unforeseen circumstances.
One of the key benefits of choosing Wedinsure is their 24/7 helpline, which is staffed by experienced advisors who can provide support and guidance in the event of an emergency.
Wedinsure’s policy wording can be viewed here.
WeddingPlan
WeddingPlan is a UK-based company that provides wedding insurance policies for couples getting married. Their policies include protection against unexpected cancellations, supplier failure, and damage or loss of wedding items. WeddingPlan offers 9 levels of cover, starting at £39.99, allowing couples to choose the level of protection that best fits their needs and budget.
According to reviews on Smart Money People, WeddingPlan has an overall rating of 4.77 out of 5 based on 175 reviews, with 85% of reviewers giving it a 5-star rating. Many of these reviews were made before 2021 as since then WeddingPlan has essentially been closed to new business for two years during the Covid pandemic.
WeddingPlan’s policy wording is available to view online in a PDF format, which outlines the specific terms and conditions of their insurance coverage.
Emerald Life
Emerald Life is another UK-based company that offers wedding insurance policies to couples getting married. They offer four levels of cover, including Diamond, Premier, Premier+, and Platinum, which provide increasing levels of coverage for things like cancellation, rearrangement, supplier failure, and wedding gifts.
According to their website, their policies start at just £35 and offer coverage for up to £100,000 for cancellation and rearrangement, £50,000 for supplier failure, and £15,000 for wedding gifts.
Emerald Life is a regulated financial product and therefore like all providers cannot provide advice on whether their wedding insurance is right for an individual’s needs. However, their policy wording is available to view online in a PDF format (see below), which outlines the specific terms and conditions of their insurance coverage.
Reviews on iCompareWeddingInsurance give Emerald Life an overall rating of 4.5 out of 5 based on 23 reviews, with many reviewers praising their excellent customer service and affordable pricing.
Emerald Life’s policy wording can be viewed here.
Covermywedding
Covermywedding is a UK-based company that offers wedding insurance policies to couples getting married in the UK and the Republic of Ireland. They offer 8 levels of cover, which provide increasing levels of coverage for things like cancellation, rearrangement, supplier failure, and wedding gifts. According to their website, their policies start at just £49.00 and offer coverage for up to £50,000 for cancellation and £37,00 for rearrangement, £2,000 for supplier failure, and £10,000 for wedding gifts for their highest policy Tier 8.
Covermywedding’s policy wording is available to view online in a PDF format, which outlines the specific terms and conditions of their insurance coverage. Reviews on Trustpilot give Covermywedding an overall rating of 3.6 out of 5 based on 42 reviews, with some reviewers praising their affordable pricing and ease of purchase, while others criticize their slow claims processing times.
One of the Better Wedding Insurance Providers
While there are several wedding insurance providers in the UK, it’s important to choose a provider that offers comprehensive cover and excellent customer service. One of the better wedding insurance providers is Wedinsure.
Wedinsure offers a range of wedding insurance policies to suit different budgets and requirements. Their policies cover a wide range of scenarios, including cancellation or rearrangement due to illness, injury, or bereavement, damage or loss of wedding attire, and supplier failure.
One of the key benefits of choosing Wedinsure is their excellent customer service. They have a dedicated team of advisors who are available to answer any questions or concerns you may have, and they pride themselves on providing a fast and efficient claims service.
When choosing a wedding insurance provider, it’s important to read the policy documents carefully and ensure that you understand the level of cover provided. It’s also a good idea to compare policies from different providers to ensure that you are getting the best value for money.
Do’s and Don’ts for Purchasing Wedding Insurance
Do Compare Policies and Providers
When it comes to purchasing wedding insurance, it’s important to shop around and compare policies and providers. While Wedinsure is a popular wedding insurance provider, it’s important to also consider other options such as Dreamsaver Wedding Insurance or Covermywedding. Look for policies that offer coverage for things like vendor cancellations, lost or stolen items, and unexpected weather events.
Do Read the Fine Print
Before purchasing wedding insurance, it’s essential to read the fine print and understand all the details of the policy. Pay close attention to coverage limits, deductibles, and exclusions. Make sure you understand what is and isn’t covered and if there are any restrictions or conditions that apply.
Do Consider Your Coverage Needs
Every wedding is unique, so it’s important to consider your coverage needs when purchasing wedding insurance. Think about your budget, the size of your wedding, and any special circumstances that may require additional coverage. For example, if you’re having an outdoor wedding, you may want to consider coverage for unexpected weather events.
Don’t Assume You’re Covered for Everything
It’s important to remember that wedding insurance doesn’t cover everything. Don’t assume that you’re automatically covered for every possible scenario. Make sure you understand the details of your policy and consider purchasing additional coverage if needed.
Don’t Wait Too Long to Purchase Insurance
Don’t wait until the last minute to purchase wedding insurance. It’s best to purchase insurance as soon as you start planning your wedding. This will ensure that you’re covered in case of unexpected events such as vendor cancellations or venue damage.
Conclusion
In conclusion, choosing the right wedding insurance policy can provide peace of mind for couples getting married in the UK and the Republic of Ireland. It is important to carefully review the policy wording and understand the specific terms and conditions of the coverage being offered. When purchasing a policy, do consider the level of coverage needed, the budget available, and the reputation of the insurance company. Don’t forget to read reviews of the company and its policies before making a purchase. As with any insurance policy, it is important to disclose all relevant information truthfully and accurately to avoid any issues with claims processing down the line. By following these do’s and don’ts, couples can choose the right wedding insurance policy to protect their special day.
Wedding Insurance FAQs
Will my wedding be covered if it is abroad?
Some wedding insurance providers offer cover for weddings taking place outside the UK but this is not a standard thing. Speak to your provider to be clear on what is covered.
Do wedding insurers cover civil ceremonies?
Yes. Most wedding insurance providers also cover other types of events like civil ceremonies.
Can I make a claim if my partner gets cold feet?
No. Wedding insurance only covers events outside of your control. One member of the couple cancelling because they no longer wish to get married is a conscious decision and therefore not covered.
Do I really need wedding insurance?
If it’s a very small and inexpensive wedding then you might not need cover although a basic package could give you some peace of mind. For the average wedding, it is advised to take out cover as this can save a lot of financial hardship should anything go wrong.
Is Covid-19 covered by wedding insurance?
While most wedding insurers do not offer covid cover, there are a few that are starting to consider this.
How much will my wedding be insured for?
The total amount of cover you can claim will be detailed in your package and this amount will differ depending on the package you have taken out. For more coverage, you’ll have to pay a higher premium.
Leave A Comment
You must be logged in to post a comment.